Visa Credit Cards


Central Maine Credit Union credit cards allow members more purchasing power with lower credit card interest rates. Having a local credit card allows you to solve issues in person and not over the phone from a representive states aways.


·      24/7 Cardholder Service: Call 1-855-553-1061 for balance inquiries, payment information, transaction history, statement requests or to dispute a charge.

·         Online Access: Real-time credit card information, including transactions, pending activity, payment information and custom email alerts, plus sign up for electronic statements when you log into your account online at https://www.centralmainecu.com/
 
What to know:
 
  • To improve security, each cardholder on an account will have their own individual card number, CVV number and expiration date.
  • If you plan to use your card at any ATM, you will be required to use a PIN. You can select your unique PIN during the activation of the card or call at a later time to select your PIN.

    For your convenience we have included frequently asked questions. If you have any additional questions or inquiries, please call us at 1-855-553-1061.


    FREQUENTLY ASKED QUESTIONS      

Will I have a new PIN number so I can access cash from my credit card?

You will no longer receive a PIN in the mail. You can select your unique PIN by calling the number on the activation label and choosing the PIN option.
 

My spouse and I both have Central Maine Credit Union credit cards, and I only received one card. Will my spouse receive a card?

Yes. As a security feature, all cards being issued with this conversion will have a unique number and will arrive separately. However, you will continue to receive only one bill, regardless of the number of cards on the account.

I setup my monthly credit card payment as an automatic ACH transfer, payroll deduction or as a recurring transfer. Do I have to make any changes?

To ensure there is no interruption in automated payments, contact the provider of this service (i.e., another bank or bill pay service) immediately upon receiving your new card to provide your new card number and payment address of Central Maine Credit Union, P.O. Box 1746, Lewiston, Maine 04241-1746

We offer three different Visa Credit Card programs. With a Central Maine FCU Visa Credit Card, you have the card that offers you the best possible rate, the easiest terms, the security of cash advances and local servicing.

Central Maine FCU does not charge a fee for Cash Advances on your Visa Credit Card or charge you a higher interest rate for Cash Advances.
 
 
C
L
A
S
S
I
C
Annual Percentage Rate
Annual
Percentage
Rate for
Cash
Advances
and Balance
Transfers
Variable
Rate
Information
Grace
Period for Repayment
of the
Balance
for
 Purchases
Method of
Computing
the
Balance
for
Purchases
*Annual Fee 

* Minimum Finance
Charge per Billing
Cycle

* Transaction Fee for
Purchases
 

13.5%

13.5%
 Not
Applicable
 You have
25 days
to repay
 Average Daily
NONE
NONE
NONE
S
E
L
E
C
T


9.9%


9.9%


Not Applicable


You have 25 days
to repay

 
Average Daily


NONE
NONE
NONE
 
P
R
E
M
I
E
R
2.9%

2.9% intro
APR for the
first six
months
of card membership
then
Prime + 9.9%
 
 2.9% intro
APR for
the first
six months
of card membership
then
Prime +9.9%
 
Your APR
may vary monthly.
The APR
for
purchases
and
balance
transfers is determined
for each
billing
period by
adding
9.9% to the
Prime Rate*
 
your
balance
for new
purchases
before a
finance
charge on
new
purchases
will
be imposed.
 
 (excluding
new
purchases)
 
NONE
NONE
NONE
       
FOR ALL ACCOUNTS:  
Transaction Fee for Cash Advances: $0.00          
Late Payment Fee:  $25.00 (Effective August 22, 2010)          

* The Prime Rate for each billing period is the Prime Rate published in the Wall Street Journal on the first day of that billing period or two days prior to the closing date of that  billing period, whichever is higher. For either of those days that is not a customary  publication day for the Wall Street Journal, we will substitute the closest preceding  customary publication day. 

The information about cost of the cards described on this application is accurate as  of February, 2016.    This information may have changed after that date. To find out what may  have changed, call us at    207-783-1475 or write us at P.O. Box 1746, Lewiston, ME 04241-1746.